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Security report for creditreform.lt

Creditreform Lithuania · Finance · Lithuania

Low risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

79/100

Risk levelLow

0–100, higher is better. How it is calculated

Creditreform Lithuania is a well-established financial services company specializing in credit risk management, debt collection, and market analysis since 1993. The company targets businesses in Lithuania seeking to manage credit risks and improve financial decision-making. The website is professionally designed using TYPO3 CMS and integrates modern technologies such as Google Tag Manager and Cookiebot for analytics and privacy compliance. The presence of a comprehensive cookie consent mechanism indicates good GDPR compliance. Security posture is strong with HTTPS enforced and no visible vulnerabilities, although security headers and explicit incident response contacts are missing. The lack of WHOIS data transparency slightly reduces trustworthiness but the overall digital maturity and business credibility remain solid. Strategic recommendations include enhancing security headers, publishing security policies, and improving contact information visibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 100 · Low
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching creditreform.lt

This scan found 20 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
70
Email security
70
DNS health
65
Network security
100
GDPR outside view
95
Average
79

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Creditreform Lithuania operates within a network of related Creditreform domains across Europe, indicating a broad partnership ecosystem. The business model focuses on B2B services in finance, providing creditworthiness assessments, debt collection, and market data analytics. The company leverages digital tools for marketing and analytics, including Google Analytics and Tag Manager, and maintains GDPR compliance through Cookiebot. The website's content and navigation are clear and professional, supporting a positive user experience. Growth indicators include multilingual support and integration with sister sites. However, the absence of explicit contact details and WHOIS transparency suggests areas for operational improvement.

Security posture

The website demonstrates a good security baseline with HTTPS enabled and cookie consent mechanisms in place. However, no explicit security headers were detected in the provided data, and there is no published security policy or incident response information. The absence of a security.txt file or vulnerability disclosure program limits transparency and readiness for security incidents. No vulnerabilities or exposed sensitive data were found in the HTML content. Overall, the security posture is moderate to strong but could benefit from enhanced security headers, documented policies, and incident response contacts to improve resilience and trust.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  2. Publish a clear security policy and incident response plan accessible from the website.
  3. Add explicit contact information for security incidents, including security@ or abuse@ email addresses.
  4. Consider deploying a security.txt file to facilitate vulnerability disclosures.
  5. Enhance accessibility features to meet compliance standards and improve user experience.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditreform Lithuania
Description
Creditreform Lithuania helps manage business risks since 1993, offering creditworthiness and risk assessment, debt collection, market analysis, and client data services.
Key services
Creditworthiness and risk assessment, Debt collection and receivables management, Market analysis and customer data
Content quality
good
Branding
consistent

Technology

Stack
TYPO3 CMS, Google Tag Manager, Cookiebot, Swiper.js
Frameworks
TYPO3 CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google
Tracking pixels
Cookiebot
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Uses TYPO3 CMS with modern frontend technologies.
  3. Cookie consent and GDPR compliance mechanisms are implemented.
  4. No explicit contact emails or phone numbers found in the HTML content provided.
  5. WHOIS data is missing or inaccessible, limiting domain trust verification.
  6. Multiple related domains linked, indicating a network of related Creditreform sites.
  7. No security.txt or explicit security policy found.
  8. No vulnerability disclosure or incident response contact information found.
  9. Website content is professional and business-focused with no adult or questionable content.
Technical notes

Notes

The website is built on TYPO3 CMS, a mature and flexible content management system. It uses modern frontend libraries such as Swiper.js for interactive elements and integrates Google Tag Manager for analytics and marketing. Cookiebot is used for cookie consent management, indicating attention to privacy compliance. The site is mobile-optimized with responsive design and good SEO practices including structured data (JSON-LD) for search engines. Performance is moderate, with compressed CSS assets and lazy loading of fonts. No hosting provider details were identified from the HTML content. Technical risks are minimal but could include the need for improved security headers and enhanced accessibility compliance.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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